Privacy Policy

Effective Date: August 11, 2026

Website: QuickCarLoans.ca

Company: Insta Auto Solutions Inc.

Insta Auto Solutions Inc. (“Insta Auto Solutions”, “Company”, “we”, “us”, or “our”) operates QuickCarLoans.ca and provides automotive financing inquiry, application, referral, and related support services.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with our website, automotive financing services, communications, customer support, and related business activities.

We are committed to handling personal information responsibly and in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada’s Anti-Spam Legislation (CASL), the Alberta Personal Information Protection Act (PIPA), Quebec’s Law 25 (where applicable to applicants in Quebec), and other applicable federal and provincial privacy laws.

By using our website or submitting information to us, you acknowledge that you have read this Privacy Policy. Where required by law, we will obtain your express consent before collecting, using, or disclosing sensitive personal information, submitting financing applications, obtaining credit reports, or sending marketing communications.

1. Privacy Officer / Privacy Contact

Insta Auto Solutions Inc. is responsible for personal information under its control and has designated a Privacy Officer who is accountable for the Company’s compliance with this Privacy Policy and applicable privacy laws.

If you have questions about this Privacy Policy, your personal information, or your privacy rights, please contact:

Privacy Officer, Insta Auto Solutions Inc.
4 Riel Drive
St. Albert, Alberta T8N 3Z7
Canada

Phone: 780-229-7721
Email: privacy@autoapprovalscanada.ca
Website: QuickCarLoans.ca

2. Important Notice Regarding Text Messaging Data

Insta Auto Solutions Inc. does not sell, rent, or share customer SMS opt-in information, mobile phone numbers, text messaging consent records, or text messaging originator opt-in data with affiliates or third parties for their own marketing, promotional, or unrelated purposes.

Text messaging opt-in data is kept confidential and is used only to provide requested messaging services, support customer communications, maintain consent records, comply with legal requirements, and operate our messaging program.

We may share limited SMS-related information with service providers who support our operational messaging services, such as messaging platforms, customer support tools, or compliance systems. These service providers are not permitted to use SMS opt-in data for their own marketing or promotional purposes.

3. Information We Collect

We collect personal information that you provide directly to us, information generated through your interactions with us, and technical information collected through our website and related tools.

3.1 Personal and Contact Information

We may collect:

Full name
Residential address
Mailing address
Telephone number
Mobile phone number
Email address
Date of birth
Communication preferences
Preferred contact method
SMS, email, and other communication consent records
Opt-in and opt-out timestamps

3.2 Automotive Financing Application Information

When you submit an automotive financing inquiry or application, we may collect information relevant to assessing, processing, or referring your financing request, including:

Employment information
Income information
Banking or financial information
Credit-related information
Vehicle and automotive financing preferences
Requested loan or financing amount
Down payment information
Trade-in information, where applicable
Application history
Lender responses
Approval, decline, or alternative financing information
Information needed to verify identity, income, employment, or application accuracy

We limit the information we collect to what is reasonably necessary for the purposes described in this Privacy Policy.

3.3 Communication Records

We may collect and retain records of communications with you, including:

Service inquiries
Automotive financing requests
Appointment details
Customer support communications
Phone, email, and SMS correspondence
Feedback and reviews
Notes related to your application or service request

3.4 Technical and Website Information

When you visit QuickCarLoans.ca, we may automatically collect technical and usage information, including:

IP address
Browser type
Device information
Operating system
Approximate geographic location derived from IP address or device/browser information
Website usage data
Pages viewed
Referral source
Session activity
Cookies, pixels, analytics identifiers, and similar tracking technologies

4. How We Use Personal Information

We may use personal information for the following purposes:

Receiving, reviewing, and processing automotive financing inquiries and applications
Verifying identity and application information
Assessing financing eligibility
Submitting applications to lenders, finance companies, automotive dealerships, leasing providers, or other financing partners
Matching applicants with suitable automotive financing programs or alternative financing options
Communicating with you about your application, approval, decline, alternatives, documents, appointments, or next steps
Providing customer support
Maintaining records of communication preferences and consent
Sending service-related SMS, email, phone, or other communications
Sending marketing or promotional communications where permitted by law
Processing payments or transactions, where applicable
Preventing fraud, misuse, or unauthorized activity
Improving our website, services, user experience, and communications
Conducting analytics and performance monitoring
Managing business operations, compliance, audit, and recordkeeping obligations
Meeting legal, regulatory, contractual, lender, accounting, or reporting requirements
Enforcing agreements and protecting our legal rights

We do not use personal information for purposes that are unrelated to the purposes for which it was collected unless we obtain consent or are otherwise permitted or required by law.

5. Consent

We collect, use, and disclose personal information with your consent, except where permitted or required by law.

Consent may be provided in different ways, including:

Submitting an automotive financing inquiry or application
Checking a consent box on a form
Opting into SMS, email, or other communications
Providing information to us by phone, email, text, or website form
Continuing to interact with us after being provided with notice of relevant privacy practices

Because financing applications may involve sensitive financial and credit-related information, we will seek express consent where appropriate or legally required.

You may withdraw your consent at any time, subject to legal, regulatory, contractual, lender, audit, or business recordkeeping requirements. Withdrawing consent may limit our ability to provide financing services, process applications, communicate with lenders, or maintain existing arrangements.

To withdraw consent, contact us at privacy@autoapprovalscanada.ca.

6. Credit Authorization and Financial Consent

When you submit an automotive financing application through QuickCarLoans.ca or otherwise authorize us to assist with financing, you confirm that the information you provide is accurate and complete.

By submitting a financing application and providing the required consent, you authorize Insta Auto Solutions Inc., its financing partners, automotive dealerships, lenders, finance companies, leasing providers, service providers, and credit reporting agencies to collect, use, disclose, and verify your personal, employment, income, banking, financial, identity, and credit-related information for the purpose of assessing, processing, referring, approving, declining, managing, or administering your financing request.

This may include authorization to:

Obtain consumer and/or commercial credit reports from one or more credit reporting agencies
Verify employment, income, banking, identity, and financial information
Share application information with lenders, automotive dealerships, finance companies, leasing providers, and related financing partners
Receive application decisions, lender responses, approval conditions, decline reasons, or alternative financing options
Exchange account, application, and credit-related information as permitted by law

This authorization may apply to:

Initial application processing
Financing approvals
Alternative financing offers
Renewals
Account reviews
Fraud prevention
Collections activities
Legal, audit, compliance, and regulatory requirements

Your application may be submitted to multiple lenders, finance companies, automotive dealerships, or financing partners in an effort to secure financing or alternative offers.

7. Disclosure of Personal Information

We may disclose personal information where reasonably necessary for the purposes described in this Privacy Policy. This may include disclosure to:

Banks
Credit unions
Alternative lenders
Finance companies
Leasing providers
Automotive dealership partners
Credit reporting agencies
Identity verification providers
Payment processors
Underwriting service providers
Customer relationship management providers
SMS, email, phone, and communication service providers
Website hosting, analytics, marketing, and technical service providers
Professional advisors, including lawyers, accountants, consultants, and auditors
Regulatory authorities
Legal, law enforcement, or government authorities where required or permitted by law

We do not sell or rent your personal information.

We require service providers who handle personal information on our behalf to maintain appropriate confidentiality, privacy, and security safeguards.

8. Lenders, Automotive Dealerships, and Financing Partners

To provide automotive financing-related services, we may share your application and related personal information with lenders, automotive dealerships, finance companies, leasing providers, credit reporting agencies, and other financing partners.

These parties may use your information to:

Assess your financing eligibility
Verify your information
Obtain or review credit reports
Provide financing decisions
Offer financing terms
Request additional documents
Provide alternative financing options
Contact you about your application or financing request

Some lenders, automotive dealerships, or financing partners may have their own privacy policies and may be independently responsible for how they handle your personal information once it has been disclosed to them.

9. Communications and Marketing

You may receive communications from Insta Auto Solutions Inc., lenders, automotive dealerships, financing partners, or service providers related to:

Credit applications
Automotive financing approvals or declines
Alternative financing opportunities
Appointment reminders
Customer support
Requested services
Account or service updates
Related automotive products or services
Promotional offers, where permitted by law

Communications may be sent by telephone, email, SMS/text message, or other lawful communication methods.

We and/or our partners may receive referral, placement, or other compensation related to financing arrangements.

You may opt out of marketing communications at any time. However, even if you opt out of marketing messages, we may still send service-related or legally required communications related to your application, account, transaction, or inquiry.

10. SMS Messaging Terms

10.1 SMS Program Description

By opting into our SMS messaging program, you agree to receive text messages from Insta Auto Solutions Inc. related to our automotive financing services.

Messages may include:

Financing updates
Application status notifications
Appointment reminders
Document reminders
Customer support communications
Important account or service updates
Follow-up communications related to your inquiry or application

Promotional messages may be sent only where permitted by law and where we have appropriate consent.

10.2 SMS Consent

SMS messages are sent only after consent is received. We maintain records of SMS consent, including available opt-in timestamps, source of consent, and opt-out records.

Consent to receive promotional SMS messages is not a condition of purchase or financing approval.

10.3 SMS Opt-Out

You may opt out of SMS communications at any time by replying STOP. After you opt out, you may receive a final confirmation message confirming your unsubscribe request. After that, no further SMS messages will be sent unless you re-subscribe or otherwise provide consent again.

10.4 SMS Help

For assistance, reply HELP. You may also contact us at privacy@autoapprovalscanada.ca or 780-229-7721.

10.5 Message Frequency

Message frequency varies depending on your application status, service activity, customer support interactions, and communication preferences.

10.6 Carrier Disclaimer

Standard message and data rates may apply. Carriers are not responsible for delayed or undelivered messages.

10.7 SMS Data Protection

No mobile information, SMS opt-in data, or text messaging consent records will be shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be shared with subcontractors or service providers solely as needed to support operational services, such as messaging delivery, customer support, compliance, or platform administration.

All other use cases exclude text messaging originator opt-in data and consent information.

11. Cookies and Tracking Technologies

We use cookies, pixels, analytics tools, advertising technologies, and similar technologies to:

Analyze website traffic
Understand user behavior
Remember preferences
Improve website performance
Support remarketing and advertising campaigns
Measure campaign performance
Improve user experience
Detect technical issues, fraud, or misuse

You may disable cookies through your browser settings. However, some website features may not function properly if cookies are disabled.

12. Analytics and Third-Party Tools

We may use third-party analytics, advertising, and marketing tools, including Google Analytics, to better understand website usage, improve our services, and measure marketing performance.

These providers may collect information according to their own privacy policies and terms. Where required, we will provide cookie notices, consent options, or other controls related to analytics and advertising technologies.

13. Cross-Border Processing

Some of our service providers, technology platforms, lenders, communication tools, analytics providers, advertising platforms, or business partners may store or process personal information outside Canada, including in the United States or other jurisdictions.

When personal information is processed outside Canada, it may be subject to the laws of the jurisdiction where it is stored or processed, including lawful access by courts, law enforcement, regulators, or government authorities.

We take reasonable steps to ensure that service providers handling personal information maintain appropriate privacy and security safeguards.

14. Data Security

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the personal information we handle.

These safeguards may include:

Secure servers and storage systems
Encryption of sensitive information where appropriate
Access controls
Authentication procedures
Employee privacy and security training
Security monitoring
Software and security updates
Backup and disaster recovery procedures
Breach response protocols
Contractual confidentiality obligations for service providers

Although we use reasonable safeguards, no website, system, storage environment, or transmission method is completely secure. We cannot guarantee absolute security.

In the event of a breach of security safeguards involving personal information that creates a real risk of significant harm, we will report and notify the Office of the Privacy Commissioner of Canada and affected individuals, and keep records of the breach, as required by PIPEDA and other applicable privacy laws.

15. Retention and Disposal

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy or as required for legal, regulatory, lender, audit, accounting, fraud prevention, dispute resolution, contractual, or business recordkeeping purposes.

Retention periods may vary depending on the type of information and the reason it was collected. For example:

Automotive financing application records may be retained as needed for lender, audit, fraud prevention, regulatory, legal, and business purposes.
SMS consent and opt-out records may be retained as needed to demonstrate compliance and maintain suppression lists.
Customer communication records may be retained as needed to support service, dispute resolution, and compliance.
Website analytics data may be retained according to our settings and applicable vendor retention periods.

Information that is no longer required may be deleted, anonymized, archived, or securely destroyed. We take reasonable steps to dispose of personal information securely when it is no longer required.

16. Accuracy of Information

We rely on you to provide accurate, complete, and up-to-date information when submitting automotive financing inquiries, applications, or other requests.

You may contact us to request correction of inaccurate or incomplete personal information. We may also take reasonable steps to verify or update information where necessary for financing, fraud prevention, legal, regulatory, or business purposes.

17. Your Privacy Rights and Choices

Subject to applicable law, you may have the right to:

Request access to your personal information
Request correction of inaccurate or incomplete information
Withdraw consent for certain uses or disclosures
Request deletion of personal information where legally permitted
Opt out of marketing emails
Opt out of SMS communications by replying STOP
Request information about how we handle your personal information
Ask questions about our privacy practices
File a complaint with a privacy regulator

To exercise your rights, contact us at privacy@autoapprovalscanada.ca.

We may need to verify your identity before responding to certain requests, and we will respond in accordance with applicable privacy legislation.

If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada or, where applicable, the Office of the Information and Privacy Commissioner of Alberta. We encourage you to contact us first so we can try to resolve your concern directly.

18. Email Marketing Opt-Out

If you receive marketing emails from us, you may opt out by using the unsubscribe link included in the email or by contacting us at privacy@autoapprovalscanada.ca.

Even if you unsubscribe from marketing emails, we may still send non-marketing communications related to your automotive financing application, transactions, legal notices, service updates, or customer support.

19. SMS Opt-Out

You may opt out of SMS communications at any time by replying STOP to a text message from us.

After you opt out, we may retain your phone number and opt-out record to ensure that we honour your unsubscribe request.

20. Minors

Our automotive financing services are intended for individuals who have reached the age of majority in their province or territory of residence.

We do not knowingly collect personal information from minors for financing applications. If we learn that we have collected personal information from a minor without appropriate authorization, we will take reasonable steps to delete or restrict the information, subject to legal and recordkeeping requirements.

21. Third-Party Websites

QuickCarLoans.ca may contain links to third-party websites, platforms, lenders, automotive dealerships, service providers, or other external services.

We are not responsible for the privacy, security, content, or practices of third-party websites or services. You should review the privacy policies of any third-party websites or services you use.

22. Business Transactions

We may disclose or transfer personal information in connection with a proposed or completed business transaction, including a merger, acquisition, financing, reorganization, sale of assets, due diligence process, or similar transaction.

In such cases, we will take reasonable steps to ensure that personal information is protected and used only for appropriate purposes related to the transaction, subject to applicable law.

23. Legal and Regulatory Disclosure

We may disclose personal information where permitted or required by law, including to:

Comply with subpoenas, court orders, warrants, legal processes, or regulatory requests
Respond to lawful requests from government, law enforcement, or regulatory authorities
Protect our legal rights, safety, property, customers, business, or others
Investigate fraud, security incidents, misuse, or unlawful activity
Enforce agreements or defend legal claims
Meet lender, audit, accounting, or compliance obligations

24. Changes to This Privacy Policy

We may update or modify this Privacy Policy from time to time.

Changes become effective when posted on QuickCarLoans.ca, unless otherwise stated. The “Effective Date” at the top of this Privacy Policy indicates when this version became effective.

Your continued use of the website or our services after changes are posted means you acknowledge the updated Privacy Policy.

25. Contact Us

If you have questions, requests, or concerns about this Privacy Policy or how we handle personal information, please contact:

Privacy Officer, Insta Auto Solutions Inc.
4 Riel Drive
St. Albert, Alberta T8N 3Z7
Canada

Phone: 780-229-7721
Email: czahr@instaauto.ca
Website: QuickCarLoans.ca

By using QuickCarLoans.ca or submitting information to us, you acknowledge that you have read and understood this Privacy Policy.